Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Cash flows from operating activities
Net income (loss)	$ (129,254)	$ 32,692
Adjustments to reconcile net income (loss) to net cash used in operating activities:
Change in fair value of financial instruments	59,046	18,356
Stock-based compensation	74,109	25,050
Gain on loan servicing arrangement, net	(3,613)	(8,705)
Depreciation and amortization	6,441	2,781
Non-cash interest expense	766	776
Other	(974)	0
Net changes in operating assets and liabilities:
Purchase of loans held-for-sale	(510,003)	(3,457,784)
Proceeds from sale of loans held-for-sale	449,339	3,065,358
Principal payments received for loans held-for-sale	57,949	20,328
Other assets	306	7,287
Operating lease liability and right-of-use asset	1,216	2,584
Accounts payable	(12,170)	3,371
Payable to investors	(49,730)	32,204
Accrued expenses and other liabilities	(19,155)	(11,093)
Net cash used in operating activities	(75,727)	(266,795)
Cash flows from investing activities
Purchase of loans held-for-investment	(46,382)	0
Principal payments received for loans held-for-investment	24,422	9,397
Principal payments received for notes receivable and repayments of residual certificates	1,566	2,067
Purchase of non-marketable equity securities	0	(1,000)
Purchase of property and equipment	(1,111)	(1,629)
Capitalized software costs	(4,347)	(3,658)
Net cash provided by (used in) investing activities	(25,852)	5,177
Cash flows from financing activities
Proceeds from borrowings	60,673	80,004
Repayments of borrowings	(46,962)	(6,990)
Proceeds from issuance of common stock under employee stock purchase plan	5,728	4,431
Proceeds from exercise of stock options	1,537	5,626
Taxes paid related to net share settlement of equity awards	(5)	0
Net cash provided by financing activities	20,971	83,071
Change in cash and restricted cash	(80,608)	(178,547)
Cash and restricted cash at beginning of period	532,467	1,191,241
Cash and restricted cash at end of period	451,859	1,012,694
Supplemental disclosures of cash flow information
Cash paid for interest	7,959	1,763
Cash (received) paid for income taxes, net	(1,153)	18
Supplemental disclosures of non-cash investing and financing activities
Capitalized stock-based compensation expense	2,658	1,627
Reclassification of loans	0	109,792
Cash and Restricted Cash
Cash	386,942
Restricted cash	64,917
Total cash and restricted cash	$ 451,859	$ 1,012,694